HOA & Community Associations
California's Davis-Stirling Act already requires most community associations to carry general liability, property, and fidelity coverage protecting owner funds, with minimums tied to the number of units — so the statute is rarely where an association comes unstuck. The claim that defines this class is the one Davis-Stirling does not mention: the board votes on a special assessment, and a homeowner sues the directors personally over it. Association Directors & Officers coverage is what answers that claim, and it is the coverage California boards most often discover, at the worst possible moment, that they do not have.
HOA & Community Associations Intake
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